Keep it simple ( as is ). Adding more categories will lead to fewer readers looking at each post. The result is that there will be fewer replies in total. Now we may look at something and offer an opinion even if it's not what we were looking for. With more categories I would not go to those I am n...

Don't do it! Make use of your law degree. Good luck!

Besides AM Best ratings, there are other indicators of how reliable and likely to pay claims a company is. In Florida, we have companies that receive ratings not from AM Best but some unknown rater. If a big hurricane hits, what is going to happen to these companies? They use reinsurance and now sec...